How to Find the Best Mississippi Medicare Advantage Plans

The best Medicare Advantage plan in Mississippi for you is the one that has the coverage and benefits you need. MoneyGeek made this comprehensive guide on Mississippi’s top-rated plans that offer broad benefits and are widely available. We found that the best PPO plan is HumanaChoice H5216-158 while the best HMO plan is Cigna Preferred Medicare.

Advertising & Editorial Disclosure
Last Updated: 9/23/2022
Written By     |  

MoneyGeek used the Centers for Medicare & Medicaid Services (CMS) five-star quality rating system to choose which plans were widely available in Mississippi. We also analyzed the best plans on various categories, looking at plan type, whether you need drug coverage and limits to out-of-pocket costs.

It’s best to shop around when choosing the best plan for you since these are general recommendations. When shopping around, you’ll be able to check if hospitals and providers are in the network of your purchased plan.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Mississippi.

iconribbonbestMedicare AdvantageMississippi2022

Best Medicare Advantage Plans in Mississippi

Best Medicare Advantage Plan in Mississippi - Overall

To find the best Medicare Advantage Plan for you, it’s important to base it on your unique healthcare needs. For instance, MoneyGeek found that HumanaChoice H5216-158 by Humana is the best plan for Mississippi shoppers who want a PPO plan with drug coverage, eight core benefits and a high star rating from CMS.

Preferred Provider Organization (PPO) plans offer various benefits and greater flexibility. Even if they come with a higher premium, it gives buyers a broader network. This means that you have more choices of treatment centers, hospitals and doctors.

mglogo
MoneyGeek Top Pick
Humana

HumanaChoice H5216-158 might be the best plan for individuals looking for a PPO in Mississippi but your best option depends on your specific health care needs. These are the following details of this plan:

  • No monthly premium
  • Drug coverage with a drug deductible of $480
  • An in-network maximum out-of-pocket limit of $7550
  • A 4 out of 5 overall star rating from CMS

With HumanaChoice H5216-158, you’ll get all the six common additional benefits of vision, dental, hearing, fitness, worldwide emergency and telehealth plus the added benefits of over-the-counter drugs and emergency response device. Since worldwide emergency is included, it’s an ideal choice for travelers. This plan received a high rating from the CMS and has Part D drug coverage.

Best HMO Medicare Advantage Plan in Mississippi

The best HMO Medicare Advantage plan for you depends on your unique preferences and needs. For example, we found that Cigna Preferred Medicare by Cigna is the best plan for Mississippi shoppers who need an HMO plan with drug coverage, seven core benefits and a high star rating from the CMS.

HMO plans are the most common type of health care plan. In addition, HMO plans are typically more affordable than other plan types, but you need to stay in your network to get coverage. Emergencies are the only exception. For this plan type, you need a referral to see a specialist.

mglogo
MoneyGeek Top Pick
Cigna Medicare

For Mississippi, we found that Cigna Preferred Medicare could be the best HMO plan. However, your individual health care needs will determine which plan is best for you. You can expect the following if you purchase this plan:

  • No monthly premium
  • Drug coverage
  • A $6,500 in-network maximum out-of-pocket limit
  • An overall star rating of 4.5 out of 5 from the CMS

With Cigna Preferred Medicare, you get all the six common additional benefits including vision, dental, hearing, fitness, worldwide emergency and telehealth. This plan also receives a high rating from the CMS and provides buyers with Part D drug coverage.

Best Medicare Advantage Plan in Mississippi Without Drug Coverage

There are many plans available for you if you don’t need Part D prescription drug coverage.

Cigna Preferred Medicare, offered by Cigna, is the best plan for individuals in Mississippi. Particularly, it’s ideal for shoppers who want a Medicare Advantage plan, regardless of whether it has drug coverage or not, seven core benefits and a high star rating from the CMS.

mglogo
MoneyGeek Top Pick
Cigna Medicare

Regardless of whether you need drug coverage or not, Cigna Preferred Medicare may be the best plan in Mississippi. You can expect:

  • No monthly premium
  • A $6,500 in-network max out-of-pocket limit
  • An overall star rating of 4.5 out of 5 from the CMS

This plan provides all the six common additional benefits such as vision, dental, hearing, fitness, worldwide emergency and telehealth. Besides this, Cigna Preferred Medicare gets a high rating from the CMS.

Best Medicare Advantage Plan in Mississippi for Low Max Out-of-Pocket Costs

Many Medicare Advantage plans in Mississippi have low or no premium and might cause you to pay more out-of-pocket. Thus, it’s ideal to choose a plan with a low in-network maximum out-of-pocket limit.

MoneyGeek’s data found that UnitedHealthcare’s AARP Medicare Advantage Choice is the best option for Mississippi shoppers that want a Medicare Advantage plan with a low max out-of-pocket limit, drug coverage, seven core benefits and a high star rating from CMS.

mglogo
MoneyGeek Top Pick
AARP

MoneyGeek filtered out plans with high maximum out-of-pocket limits. For those looking for a plan with or without drug coverage, AARP Medicare Advantage Choice could be the best choice in Mississippi. The plan’s details are as follows:

  • A $20 monthly premium
  • An in-network maximum out-of-pocket limit of $6,700
  • An overall star rating of 4 out of 5 from CMS

If you get a low max out-of-pocket plan, you’ll be able to save money on excessive expenses, especially if you have significant health payments. With AARP Medicare Advantage Choice, your insurance provider shoulders in-network coverage once you hit the maximum out-of-pocket limit of $6700. However, the max out-of-pocket limit for out-of-network coverage for this plan is $10,000.

Medicare Advantage Plan in Mississippi - Statistics

You’ll find nine health care organizations in Mississippi that offer Medicare Advantage plans. MoneyGeek broke down the following statistics on Medicare Advantage in Mississippi so you can determine which plan components are rare or common.

1

Mississippi Medicare Advantage Plans are a mix of PPO and HMO with 66.9% offering drug coverage

Out of all the plans in Mississippi, 66.9% of plans offer drug coverage. Preferred Provider Organization (PPO) plans make up 53.9% of the market while Health Maintenance Organization (HMO) make up 35.2%.

2

54% of Medicare Advantage Plans in Mississippi have a $0 premium

There are 21 unique plans in Mississippi that offer a $0 premium. However, for plans that do charge premiums, the average cost is $47.60.

3

Hearing, vision and dental benefits are common in Mississippi, with most plans offering them

Hearing and dental are available in 95% of plans, with all plans offering vision. Other common benefits are fitness and telehealth. The least common benefits in Mississippi plans are in-home support, emergency response device and transportation.

Methodology

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Mississippi were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Mississippi based on county availability.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.